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14 Oct Insurance for Working Dogs – Protecting Man’s Best Friend
Dogs not only provide great companionship for us, but they’re also extremely intelligent, obedient, and can perform tasks that are impossible for humans. We are proud to provide insurance for working dogs to businesses that rely on these animals.
Working dogs are a marvel. We rely heavily on working dogs and their agility, unparalleled sense of smell, and a vicious bite to carry out activities in a variety of industries. Such highly trained animals are amazing at what they do, whether it’s helping the police sniff out narcotics or providing love and comfort to those that need it most.
While working dogs are generally considered reliable and safe, we must not forget that they are animals and that they have minds of their own.
Dogs can deliver a powerful bite, particularly if they are startled or feel unsafe. This is where people who have working dogs can find themselves in difficulty. And this is the reason that insurance for working dogs is so important.
Take a look at these statistics. Although these are statistics for all dogs, working dogs make up a proportion of the numbers.
- 7 million dog bites occur in the US alone every year.
- The number of dog bite claims nationwide increased to 18,522 in 2017, up 2.2 percent from 2016.
- 800,000 dog bites result in medical care each year.
The Risk of Owning a Working Dog
The issue with working dogs, as opposed to pet dogs, is that they are working with new people or strangers on a regular basis. This carries a certain amount of risk. In the unfortunate event of a working dog causing an injury, those people are more likely to sue the owner or organization for using what they perceive as an unsafe animal.
Despite the risk, however, there’s no doubt about it: working dogs are an essential asset to many individuals and organizations.
Training the dogs takes considerable time, effort, and, of course, money. With the added possibility of facing a lawsuit, these dogs can quickly become very expensive to maintain.
Getting Insurance for Working Dogs
You can protect yourself from potential lawsuits by getting liability coverage. The problem is that most insurers won’t provide coverage for working dogs. Or, if they do, you’ll find that they only cover certain breeds. These will not be the breeds that are classified as “dangerous.”
Fortunately, there is an answer to this problem. We are specialists at providing liability coverage for a wide range of activities and businesses that other insurers refuse to cover.
XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. With 30 years of experience, we can offer customized coverage via our all-in-one approach.
This approach means we look at each business or person individually. We assess their situation and needs. Then we create a plan that covers their requirements for liability. Our unique offering allows us to provide broader coverage as well as higher limits (up to $10 million limits with higher limits available through reinsurance partners).
For those that have working dogs, we are proud to be able to offer insurance for working dogs:
- Businesses or individuals that utilize working dogs.
- All breeds of dog.
- Dogs with an existing bite history.
- All levels of service experience.
- Bodily injury and property damage to third-parties.
Please note that our insurance for working dogs does not cover bites to the insured or insured’s family. Nor do we cover damage to property that the insured owns or rents.
The types of working dog that we can provide coverage for include:
- Police dogs (K9).
- Explosive sniffers.
- Narcotic sniffers.
- Guard dogs.
- Service dogs.
- Bed bug dogs.
- Search and rescue dogs.
- Ranch dogs.
- Emotional assistance dogs that work in commercial settings, such as schools, dentists, hospitals, hospices, and other medical facilities.
This list is not exhaustive. If you have a working dog that doesn’t fit into these categories, please give us a call to see how we can help you.
If you have a pet that isn’t classified as “working” and you would like to protect yourself from liability, XINSURANCE can also help you via our Animal Liability coverage.
How to Get in Touch with XINSURANCE
If you need insurance for working dogs, there are many ways you can get in touch with us here at XINSURANCE.
We have information about how our all-in-one approach works plus details of our extensive product line on our website. Additionally, you can also receive a quote online making it a quick and simple way to get a price.
If you require more specific information or have any questions, then please feel free to email us at firstname.lastname@example.org. Alternatively, call and speak to a member of our team on 877-585-2853.
We want to make sure you are as informed as possible before providing you with your working dog coverage. Feel free to contact us with any queries you have, no matter how big or small.
If you’re based in the Salt Lake City area, you can visit our office and have a chat face-to-face. We’re located at 8722 S. Harrison Street, Sandy, Utah 84070.
If you prefer to find us via social media, you can take your pick of the platforms. We are active on Facebook, Twitter, YouTube, LinkedIn, and Instagram and regularly post updates on our products and services.
Getting in front of our customers is also important to XINSURANCE, so we have a busy events calendar that is updated regularly. You never know, we might be attending an event local to you, so please come and find us for an informal conversation.
Working dogs are such a valuable and essential asset, so don’t leave your protection to chance. Get proper coverage in place and allow your dog to continue its amazing work without the worry of facing an unaffordable lawsuit without coverage.